Property Damage Coverage

Firstly, car damage property coverage pays for the repairs to the property damage you caused in an accident. However, this type of coverage does not provide protection for your own property damages. Keep reading to learn more about property damage coverage and car liability damage in Illinois.

You may buy property damage coverage in one of two ways. For instance, you can do it as a combined single limit policy, or a split limit policy. With a combined single limit policy, the limit that applies to the whole accident may cover bodily injury or property damage. Or, in some situations, it may cover both.

By Illinois law, the minimum property damage requirement is $20,000 per collision.

You can find your property damage in a three number format like “25/50/20”. The first two numbers are the bodily injury limits. The third number is the policy limit for property damage per accident.

These limits may go up for an extra cost. So, remember that if you cause an accident that exceeds your policy limits, the other party may sue you for the difference.

More Information

For additional information regarding property damage in the state of Illinois, please visit the Illinois Department of Insurance.

Do you have any additional questions regarding car insurance rates for Illinois drivers, minimum amounts of coverage required by new drivers, or filing a claim? Our insurance agents and customer service team are here to help. Call us today at 888-949-6289 or visit one of our many Illinois offices. For your convenience, Insurance Navy is open from 8 a.m. to 9 p.m. CST, 7 days a week.

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By navigating our website, you can also inform yourself about many useful topics, such as why teen drivers typically pay higher insurance premiums than older drivers, useful liability coverage to help if you receive damage to your vehicle, and how your zip code can affect your auto insurance rates.

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*Please review your own policy carefully for details on property coverage. Property coverage varies by the insurance company.